Home Insurance
Learn how home insurance works, the types of cover available, and what to think about, so you can feel more confident your home and belongings are protected.
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What is home insurance?
Home insurance helps protect your home and the belongings inside it. It can be taken out by anyone who owns a property, whether you live in it yourself or rent it out to someone else.
Home insurance is designed to help with the cost of repairing or rebuilding your home if it is damaged and replacing personal items if they are stolen or broken because of events like fire, theft, flood, or accidental damage, depending on the cover you choose.
A home insurance comparison service can help you look at different options side by side, so you can find a policy that fits your needs.
Ready to get a free quote and compare your home insurance options?
Protect your home & its contents
You can combine both Contents Insurance and Buildings Insurance together as one Home Insurance cover. Or if you only need one, you can also take them out individually.
Building insurance
Helps repair unexpected damage done to the structure of your property.
Contents insurance
Helps replace valuables in your home if they are stolen, damaged or destroyed.
Combined cover
Protects both your personal possessions and the structure of your home.
What does home insurance usually cover?
Damage from fire
Damage by wild animals and rodents
Falling trees and branches
Damage from flooding and storms
Malicious damage and vandalism
Impact from an aircraft, vehicle, or animal
Frozen or burst pipes
Subsidence, heave or landslip
Theft or attempted theft
Hugo’s helpful notes:
The scope of coverage is dependent on the insurance provider you choose. Please carefully read insurance policy wording to understand what is covered and what is excluded in your home insurance policy.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers which result in a policy being purchased.
FAQs
Got questions about home insurance? Here are some of the most common ones.
How can I get cheaper home insurance?
You may be able to lower the cost of your home insurance by:
Comparing quotes from different insurers, not just sticking with your current one
Considering a higher excess, if you can afford it
Fitting insurer approved locks, alarms or other security measures
Building up a no-claims history if you can
Cheapest is not always best, so make sure the cover still suits your needs.
Read moreWhat affects the cost of home insurance?
The cost of home insurance depends on things like:
Where you live and local crime or flood risk
The type of property you have and how it is built
The value of your belongings and how much cover you choose
Security at your home (for example, locks and alarms)
Your claims history and any previous incidents
Insurers use this information to work out how likely you are to claim and what your premium should be.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers, which result in a policy being purchased.
The information contained within this page is for editorial purposes only and not intended as financial advice.
Read moreWho needs home insurance?
Home insurance may be worth considering if:
You own your home and want to protect the building, your belongings, or both
You have a mortgage and your lender expects buildings cover. It’s not a legal requirement, but your mortgage lender may insist that you have buildings insurance in place when the house is yours.
You rent and want to protect your own contents, such as furniture, clothes and gadgets
You do not have to take home insurance by law, but it can help if something goes wrong, such as fire, theft or certain types of damage.
The insurance comparison service here is being provided by Seopa Ltd, who are regulated and authorised by the Financial Conduct Authority (FCA FRN 313860). Protect Line Ltd will receive a commission for introductions made to insurers, which result in a policy being purchased.
The information contained within this page is for editorial purposes only and not intended as financial advice.
Read moreProtect Line is a free service. How does it make money?
Protect Line is a fee-free broker, which means we do not charge any upfront or separate charges for our brokerage service. At no point will you be billed for any service received or administration regarding setting up or managing your policy.
Our service is free for you because we are paid introducer fees by the insurance provider you choose.
As an independent broker we are not biased towards any one insurance provider. As a non-advised broker we are not allowed to recommend a particular insurer or product, only providing the facts. This means that any decision you make is purely yours and never influenced by how much money we may receive.
Protect Line receives an upfront commission for selling you a life insurance policy, but we are required to pay this back if you cancel your policy during a set timeframe. For this reason we are incentivised to ensure you are happy with your policy; it is not in our financial interest to pressure you into a product that you are not comfortable with.
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